Products Liability Insurance

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Products Liability Insurance

The liability on manufacturers, repairers or retailers, is a potentially heavy one. It is imposed on them by the Liability for Defective Products Act 1991 and gives an injured party the right to bring a legal action for compensation without having to prove fault against any person involved in the production and distribution process of the product. The Act provides that ‘The Producer shall be liable in damages in tort for damage caused wholly or partly by a defect in his product’. Cover is most often provided in tandem with Public Liability cover.

 

To help protect your business, S.A. Faughnan (Brokers) Ltd. can provide small, medium and large businesses with products’ liability insurance in tandem with public liability insurance or on a standalone basis where products are sold on a larger scale or are higher risk.

 

What does a Products Liability insurance policy cover me against?

  • Injury or Illness claims from Third Parties
  • Compensation awards made to Third Parties
  • Costs of defending a Third Party claim
  • Legal costs & resultant financial loss

 

Why have Products Liability insurance?
  • Whether you are a market trader, a café, a restaurant, a retailer, wholesaler or producer of food, drinks, electrical goods, machinery, chemicals or drugs you have an exposure to third parties who consume or use your product. Should that consumer suffer any illness, injury or even death as a result of consumption or use of your product they can sue you for compensation and resultant legal costs
  • Easy access to ‘no win no fee’ legal services which help individuals claim compensation may increase the likelihood of a business experiencing a products liability claim
  • Any consumer of your product could trigger a products liability claim against your business, if they suffer illness or injury as a result of it’s consumption or use

 

How a Products Liability insurance policy protects you and your business…
  • Covers your business when you have to pay compensation to a member of the public who is injured, suffers an illness or dies as a result of consumption or use of your product
  • Pays out legal fees spent in defending a claim and any resultant financial loss

 

What other insurance cover do I need to consider to adequately protect my business?

  • Public Liability
  • Professional Indemnity
  • Cyber Liability
  • Personal Accident
  • Employers’ Liability
  • Office Insurance
  • Directors & Officers Liability
  • Motor Insurance

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